Boston, MA · Charter 21970
Q4 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.86% | 4.11% | 3.90% | 3.59% | 3.93% | +7 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -0.33% | 0.46% | 8.01% | 8.39% | 3.99% | +432 bps | |
| Loan Growth (YoY) | -7.64% | -0.57% | 10.98% | 20.83% | 5.32% | +1,297 bps | |
| Share Growth (YoY) | -2.96% | -1.99% | 7.93% | 7.15% | 2.89% | +585 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.42% | 0.41% | 0.21% | 0.26% | 1.50% | +108 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.71% | 5.14% | 4.13% | 4.23% | 4.50% | -120 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.93% | 41.95% | 47.78% | 44.33% | 42.92% | +99 bps | |
| Liquid Assets / Assets | 59.10% | 57.54% | 45.99% | 55.80% | 60.62% | +152 bps | |